Zakat Calculator
Determine your Zakat al-Mal (Wealth Zakat) and Zakat al-Fitr (Fitrah) accurately by inputting your assets, liabilities, and family details based on the Nisab threshold.
Zakat Calculator
Zakatable Assets Owned for 1 lunar year
Precious Metals Market Rates
Please enter or fetch the current market prices per 10 grams.
Deductible Liabilities
Nisab Threshold
What is this?Value of 87.48g Gold or 612.36g Silver.
Zakat Summary
Enter your assets and liabilities to see your Zakat calculation here.
Zakat Calculator: Calculate Your Islamic Wealth Obligation
Zakat is one of the Five Pillars of Islam, representing a mandatory charitable obligation for all Muslims whose wealth exceeds a minimum threshold (the Nisab). Calculating exactly what qualifies as Zakatable wealth—and factoring in modern financial instruments like 401(k)s, mutual funds, and gold—can be complex. The Calculay Zakat Calculator simplifies this strict 2.5% calculation to ensure you fulfill your religious duties accurately and confidently.
Understanding the Nisab (The Threshold)
You are only required to pay Zakat if your total net wealth has remained consistently above the Nisab threshold for one entire lunar year (a Hawl). The Nisab is traditionally determined by the current market value of either Gold or Silver.
- The Gold Standard: 87.48 grams of pure gold. (Historically used if your wealth is primarily tied up in investments or long-term assets).
- The Silver Standard: 612.36 grams of pure silver. (Because silver is currently much cheaper than gold, most modern Islamic scholars recommend using the silver standard. This lowers the threshold, encouraging more charitable giving to the poor).
What Wealth is "Zakatable"?
Zakat is not a tax on your income or your salary; it is a tax on your accumulated, stagnant wealth. It only applies to assets that have the potential to grow.
- Subject to Zakat: Cash in bank accounts, physical gold and silver jewelry (if kept for investment/wealth accumulation rather than daily wear), business inventory intended for sale, and the current value of stock market shares or mutual funds.
- Exempt from Zakat: Your primary residence (the house you live in), the car you drive, your personal clothing, and the furniture in your home. These are considered fundamental living necessities, not hoarded wealth.
The 2.5% Calculation
Once you determine your total Zakatable assets, you must subtract your immediate, short-term debts (like a credit card bill or this month's rent). Long-term debts like a 30-year mortgage are generally not fully subtracted from your wealth for Zakat purposes (consult a local scholar for complex debt rulings).
Finally, you multiply your net Zakatable wealth by 0.025 (2.5%). This final figure is the exact amount you must distribute to the eight eligible categories of recipients outlined in the Quran, primarily the poor, the needy, and those in heavy debt.